# Kaspi Bank: Kaspi Gold Account and Card for Non-Residents > How a non-resident opens Kaspi Gold in Kazakhstan: IIN, local SIM, border stamp, the 12-month card rule and sanctions compliance. Updated July 2026. Author: Алёна Дунаева — юрист, Family Office (https://wiki.private.law/authors/dunaeva) Last modified: 2026-07-16T09:15:00.000Z Canonical: https://wiki.private.law/en/kaspi-bank Topics: banking Jurisdictions: kazakhstan Semantic tags: personal-banking, corporate-banking, sanctions-blocked-ru --- [Kaspi.kz](http://kaspi.kz/) is less a bank than the payment ecosystem Kazakhstan's retail economy runs on: a super-app combining cards, QR payments, transfers, a marketplace and government services. For a non-resident, the Kaspi Gold card is the standard entry ticket — without it, paying for anything from taxis to utilities gets awkward. Data as of July 2026. ## The product model Kaspi runs a deliberately narrow retail line: the Kaspi Gold debit card, the Kaspi Red credit card and deposits. There is no classic premium tier with a relationship manager or an investment desk — a conscious mass-market strategy. A client looking for premium banking in Kazakhstan should look at [Halyk](https://wiki.private.law/en/halyk-bank) or the banking-brokerage ecosystem of [Freedom Finance](https://wiki.private.law/en/freedom-finance). ## Opening Kaspi Gold as a non-resident The baseline set per the [official Kaspi guide](https://guide.kaspi.kz/client/ru/gold/receive/general/q14620) (rules updated March 2026): a Kazakhstani phone number, the original passport, an IIN (the local tax number) and a document confirming the legal basis of stay. For citizens of Russia and other EAEU states a border-crossing stamp is enough; a visa, a temporary permit, [permanent residence](https://wiki.private.law/en/kazakhstan-residence) or proof of study also qualify. With a residence permit the card is issued entirely in the app; without one — only in a branch, since remote onboarding for non-residents was [shut down across all major banks](https://easypayments.online/blog/kak-otkryt-schet-v-kazahstane) by 2026. The IIN has been issued [only in person at a public service center](https://femida-justice.com/blog/kak-inostranczam-otkryt-kaspi-gold-v-kazahstane-poshagovaya-instrukcziya/) since February 2024. Citizens of Russia, Turkey, China and other OECD-reporting countries must additionally provide their home-country TIN and residential address — a CRS requirement fixed in [Kaspi's rules](https://guide.kaspi.kz/client/ru/gold/receive/general/q14620). > 🍓 Kaspi does open Kaspi Gold for non-residents — in person, with an IIN, a local SIM and (for Russians/EAEU) a border stamp. The card lives 12 months without a residence permit; the account itself has no expiry. ## Card term and limits Under ARDFM Resolution No. 96, in force since 19 January 2025, payment cards for non-residents are issued [for a maximum of 12 months](https://www.interfax.ru/business/1002832). The account keeps working after the plastic expires and funds are not blocked — the National Bank of Kazakhstan [confirmed this publicly](https://ria.ru/20250220/kazahstan-2000477373.html). The same act lowered the AML "suspicion" threshold to [more than 5 cards in one bank](https://kapital.kz/finance/133387/srok-deystviya-bankovskikh-kart-dlya-inostrantsev-ogranichat-do-odnogo-goda.html) (previously 10). | Parameter | With residence permit | Without residence permit | | --- | --- | --- | | Channel | fully in-app | branch visit only | | Plastic | regular issue | [non-personalized, 12 months](https://guide.kaspi.kz/client/ru/gold/receive/general/q17279), reissued annually | | IIN | required | required | | RF/Turkey/China citizens (CRS) | home TIN + address | home TIN + address | ## Sanctions aspect Kaspi maintains a [public list of Russian and Belarusian banks](https://guide.kaspi.kz/partner/ru/currency/currency_control/q2315) transfers with which are impossible: SWIFT from sanctioned Russian banks does not go through. 2026 practice reviews describe enhanced compliance on large inflows from Russia — source of funds checks, crediting in 3–5 days or longer. The distinction matters: this is a compliance filter, not a refusal to serve Russians — Kaspi routinely opens accounts for RF citizens with a border stamp. Working funding routes are covered in the [Kazakhstan payment route](https://wiki.private.law/en/collect-pay-kazakhstan-route) piece. ## Who it is for Kaspi Gold is the right first account for a relocator or a frequent visitor: daily payments, transfers and the marketplace in one app (the broader context sits in the [relocation from Russia](https://wiki.private.law/en/relocation-from-russia) overview). It is the wrong tool for anyone expecting remote opening, private-banking service or long-lived plastic without legalization — without a residence permit the card is reissued every year. ## FAQ ### **Can Kaspi Gold be opened remotely from abroad?** No. Without a residence permit the card is opened only in a branch, and the IIN is issued in person. Intermediary "remote" schemes stopped working across major Kazakh banks by 2026. ### **What happens to the account when the 12-month card expires?** Nothing dramatic: the account keeps operating, funds stay available, the plastic is reissued on a visit. The 12-month cap applies to the card, not the account. ### **Does a Russian citizen need a Kazakh residence permit for Kaspi?** No — a border-crossing stamp, an IIN and a local SIM are enough. A residence permit upgrades the experience: in-app onboarding and regular plastic. ### **Will a SWIFT transfer from a Russian bank arrive?** From a sanctioned bank — no; Kaspi publishes the list of banks transfers with which are impossible. From non-sanctioned banks transfers arrive, subject to source-of-funds checks. --- ## FAQ ### Can Kaspi Gold be opened remotely from abroad? No. Without a residence permit the card is opened only in a branch, and the IIN is issued in person. Intermediary "remote" schemes stopped working across major Kazakh banks by 2026. ### What happens to the account when the 12-month card expires? Nothing dramatic: the account keeps operating, funds stay available, the plastic is reissued on a visit. The 12-month cap applies to the card, not the account. ### Does a Russian citizen need a Kazakh residence permit for Kaspi? No — a border-crossing stamp, an IIN and a local SIM are enough. A residence permit upgrades the experience: in-app onboarding and regular plastic. ### Will a SWIFT transfer from a Russian bank arrive? From a sanctioned bank — no; Kaspi publishes the list of banks transfers with which are impossible. From non-sanctioned banks transfers arrive, subject to source-of-funds checks. --- ## Factual claims - The baseline set per the official Kaspi guide (rules updated March 2026): a Kazakhstani phone number, the original passport, an IIN (the local tax number) and a document confirming the legal basis of stay. - With a residence permit the card is issued entirely in the app; without one — only in a branch, since remote onboarding for non-residents was shut down across all major banks by 2026.